Early Warning’s ClearXchange network is known for its person-to-person (P2P) money transfers, though it also provides business-to-consumer (B2C) and government-to-consumer (G2C) disbursement payment processing on behalf of its 10 members — Bank of America, JPMorgan Chase, Wells Fargo, Capital One, PNC, BB&T, U.S. Bank, BNY Mellon, First Bank, and First Tech Federal Credit Union. When P2P, B2C, and G2C transactions occur between ClearXchange member financial institutions, funds are made available immediately upon posting of the transfer or disbursement. When transactions occur betwee...